Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

What does Basic Health Insurance cover?

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If in doubt, please send a new question or ask for an update.

Q: What does basic health insurance cover?

A: Basic Health Insurance provides a specified dollar amount of payment for doctors visits, child well care visits, adult well care visits or annual exam (one per year), diagnostic testing (up to three per year), hospitalization, intensive care, mental illness, alcohol and substance abuse confinement, convalescent facility, emergency room treatment, and surgery. Prescription drug benefits are provided separately through a discount card and are not part of the insurance policy. Each of these benefits is limited in total dollar amount and this dollar amount is not intended to cover the entire cost of any medical bill. There are no deductibles or co-payments with Basic Health Insurance and the benefit is paid even f you have other overlapping health insurance. For more information, see .


More resources:
Basic Health Insurance Web SiteAvailability of Basic Health Insurance Basic Health Insurance Basic Health Insurance Details Basic Health Insurance Enrollment site